. >> and texas has always posted the best place to bank in the country in texas, and never had the real huge run-up in the real estate. >> after they lost every single bank in the '80s, because i was a bank iing report in 1987 and watched them go undo, every single one. >> and yes -- >> and didn't ron pearlman come in. >> they had brilliant guys come in. >> that worked. >> yes, and the jerry ford and the other jerry ford, and i am looking for the retail to stabilize and we have reports coming up of the macro retail sales not that bad and then watch the china plays. caterpillar breaking out and i keep chi of the chanos interview that you did in delivering alpha, and he said that it is the short of the market, and a lot is because people believe that china is coming back and going to start ordering equipment again, and this is not an easy proposition to believe, however, the momentum is with the cats and the cummings now. >> when you mentioned china, of course, i look at yum, but it is not that bad now. i am not sure a full open, because it is only down 3%, jim. >> well, merrill lynch --